Virginia VA Disability Rates Calculator 2026: Estimate Monthly Compensation

Veterans in Virginia who receive VA disability compensation can use their disability rating and dependent information to estimate their monthly compensation. For 2026, the Department of Veterans Affairs publishes compensation rates based on disability percentage and qualifying dependents.

VA disability compensation is a federal benefit, so Veterans in Virginia generally use the same compensation rate tables as Veterans in other states. The amount is primarily determined by the Veteran's VA disability rating and applicable dependent status.

A Virginia VA disability rates calculator can therefore be built around several key inputs:

1. VA disability rating
2. Marital status
3. Number of qualifying children
4. Dependent parents
5. Whether a spouse qualifies for Aid and Attendance
6. Whether the Veteran qualifies for Special Monthly Compensation

The 2026 VA compensation tables are effective December 1, 2025.

Virginia VA Disability Rates 2026

The basic monthly compensation amount increases as the VA disability rating increases.

For Veterans without dependents, the current 2026 rates include:

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These are the 2026 rates for a Veteran without dependents. The actual amount can be higher for Veterans with qualifying spouses, children, or dependent parents at ratings of 30% or higher.

How a VA Disability Rates Calculator Works

A VA disability calculator is not simply a percentage multiplied by a dollar amount.

VA first determines the Veteran's disability rating. If the Veteran has multiple service connected disabilities, VA uses its combined ratings method rather than simply adding the individual percentages together.

For example, a Veteran with two separate disability ratings of 50% and 30% does not simply receive a combined 80% rating.

VA applies its combined ratings methodology to determine the final combined evaluation.

Once the combined rating is established, the Veteran can use the appropriate compensation table to determine the monthly payment.

10% VA Disability Rate

For 2026, a Veteran with a 10% disability rating receives:

$180.42 per month

At the 10% level, dependent status does not increase the basic compensation rate.

That means a Veteran with a 10% rating generally receives the same basic monthly compensation regardless of whether the Veteran has a spouse or children.

20% VA Disability Rate

For 2026, a Veteran with a 20% disability rating receives:

$356.66 per month

Like the 10% rate, the basic 20% compensation amount does not increase based on having a dependent spouse, child, or parent.

Dependent adjustments become relevant at the 30% disability level and above.

30% VA Disability Rate

At a 30% rating, dependent status begins to affect the compensation amount.

For 2026:

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The VA publishes separate rates for different family circumstances.

This is an important distinction when estimating compensation because two Veterans with the same 30% rating can receive different monthly amounts based on their qualifying dependents.

40% VA Disability Rate

For a Veteran without dependents, the 2026 rate is:

$795.84 per month

With a spouse, the rate is:

$882.84 per month

Additional amounts can apply when qualifying dependent parents or other circumstances are present.

50% VA Disability Rate

The 2026 basic rate for a Veteran alone with a 50% disability rating is:

$1,132.90 per month

With a spouse and no parents or children:

$1,241.90 per month

The VA provides additional rate categories for Veterans with dependent parents and other qualifying family circumstances.

60% VA Disability Rate

For 2026, a Veteran alone with a 60% rating receives:

$1,435.02 per month

A Veteran with a spouse and no parents or children receives:

$1,566.02 per month

The amount can increase when additional qualifying dependents apply.

70% VA Disability Rate

The 70% rating is an important point for many Veterans because the monthly compensation becomes substantially higher than the lower rating levels.

For 2026:

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The VA also provides additional amounts when the Veteran has qualifying children or a spouse receiving Aid and Attendance.

80% VA Disability Rate

For a Veteran without dependents, the 2026 monthly amount is:

$2,102.15

With a spouse and no parents or children:

$2,277.15

The applicable rate can increase based on qualifying dependents and other circumstances.

90% VA Disability Rate

A Veteran with a 90% rating and no dependents receives:

$2,362.30 per month

With a spouse and no parents or children:

$2,559.30 per month

Additional amounts may apply based on dependent status.

100% VA Disability Rate

For 2026, a Veteran with a 100% disability rating and no dependents receives:

$3,938.58 per month

With a spouse and no parents or children:

$4,158.17 per month

The payment can be higher when qualifying dependent parents, children, or other applicable benefits are included.

A 100% rating should not automatically be confused with Special Monthly Compensation. SMC is a separate compensation structure that may apply in certain severe disability circumstances.

VA Disability Compensation With Dependents

Veterans with a combined disability rating of 30% or higher may receive additional compensation for qualifying dependents.

The VA compensation tables account for different family situations, including:

• Spouse
• Children
• Dependent parents
• Spouse receiving Aid and Attendance

For Veterans with children, the calculation can become more detailed because the VA provides a basic rate that may already include one child, followed by additional amounts for additional qualifying children.

For example, the VA gives an example of a 70% Veteran with a spouse and three dependent children under age 18. The basic rate includes a spouse and one child, while additional amounts are added for the second and third children.

How VA Combines Multiple Disability Ratings

One of the most important points when using a VA disability calculator is understanding combined ratings.

VA does not simply add individual disability percentages together.

Instead, VA uses the whole person theory when calculating a combined disability rating.

For example, if a Veteran has multiple service connected conditions, the final combined rating may be different from the arithmetic sum of those individual ratings.

This means a Veteran should use the official combined rating shown by VA when estimating monthly compensation rather than simply adding individual percentages.

VA Disability Compensation and Special Monthly Compensation

Some Veterans may qualify for Special Monthly Compensation, or SMC, because of certain severe disabilities or specific circumstances.

SMC is separate from the standard disability compensation tables.

For example, the 2026 SMC K payment variation is $139.87 per month, and the VA states that it may be added to a basic disability compensation rate when the Veteran qualifies.

Other SMC levels have substantially different payment structures.

A standard VA disability calculator should therefore not be treated as a substitute for an SMC determination.

Is VA Disability Compensation Taxable in Virginia?

VA disability compensation is generally a federal benefit that is not treated like ordinary taxable employment income.

For Veterans using their compensation when evaluating household finances, it is important to distinguish VA disability compensation from taxable wages, investment income, and other sources of income.

When using VA disability income for mortgage planning, the lender should determine how the income will be documented and treated under the applicable loan underwriting requirements.

VA Disability Compensation and Mortgage Qualification

VA disability compensation can be an important source of qualifying income when a Veteran applies for a mortgage.

However, the treatment of disability income depends on the mortgage program and lender underwriting requirements.

For a Veteran purchasing a home in Virginia, the compensation amount can therefore be relevant when evaluating overall household income, monthly debts, and housing affordability.

The VA disability payment itself is not the same thing as VA loan entitlement.

These are separate benefits.

Virginia VA Disability Rates Calculator Example

Consider a hypothetical Virginia Veteran with:

VA rating: 70%
Spouse: Yes
Children: None
Dependent parents: None

The 2026 VA compensation table lists the monthly amount as:

$1,961.45 per month

Annualized:

$1,961.45 × 12 = $23,537.40 per year

This annual calculation is simply the monthly compensation multiplied by 12. It should not be interpreted as a separate VA payment schedule.

If the Veteran had qualifying dependent children or a spouse receiving Aid and Attendance, additional amounts could apply.

VA Disability Rates 2026: Quick Reference

For a Veteran alone with no dependents:

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These rates are effective December 1, 2025 and represent the current 2026 VA compensation rates.

Why the VA Rating Is Important

The disability rating affects more than monthly compensation.

VA explains that the disability rating is based on the severity of the service connected condition and is also used to determine eligibility for certain other VA benefits.

For multiple disabilities, the combined rating methodology is particularly important because the final percentage may not equal the sum of the individual ratings.

Veterans should therefore rely on their official VA combined rating when estimating compensation.

Virginia VA Disability Rates Calculator: What Information Do You Need?

To estimate monthly compensation, gather:

1. Current VA combined disability rating
2. Marital status
3. Number of dependent children
4. Ages of dependent children
5. Dependent parent information
6. Whether a spouse receives Aid and Attendance
7. Any applicable Special Monthly Compensation

The more complete the information, the closer the estimate will be to the applicable VA compensation table.

The VA's official rate tables should be used for the final payment amount because dependent categories can change the monthly compensation.

2026 VA Disability Rates and COLA

VA compensation rates are periodically adjusted for cost of living.

The VA states that compensation and pension COLAs are tied by law to the percentage of cost of living adjustments made to Social Security benefits.

Therefore, Veterans should check the latest VA compensation tables when calculating benefits for a particular year.

A rate published for an earlier year should not automatically be used as the current payment amount.

Virginia VA Disability Rates Calculator: Final Considerations

The Virginia VA disability rates calculator is primarily a way to organize the factors that determine a Veteran's monthly compensation.

The state of Virginia does not have a separate VA disability compensation schedule. The applicable rates come from the federal VA compensation tables.

For 2026, the basic monthly compensation ranges from $180.42 at 10% to $3,938.58 at 100% for a Veteran without dependents. Veterans with qualifying dependents can receive higher amounts at eligible ratings, generally beginning at the 30% level.

The calculation becomes more complicated when a Veteran has multiple disabilities, dependent children, dependent parents, a spouse receiving Aid and Attendance, or qualifying Special Monthly Compensation.

The most reliable approach is to start with the official VA combined rating and then select the appropriate dependent category from the current VA compensation table.

For Veterans using disability compensation as part of their household financial planning or mortgage qualification, the current official VA payment amount should be documented rather than relying on an older rate table or a generic calculator.

Frequently Asked Questions

What are the 2026 VA disability rates in Virginia?

The 2026 federal VA disability compensation rates apply to Veterans in Virginia. For a Veteran without dependents, the monthly amounts range from $180.42 at 10% to $3,938.58 at 100%.

How much does a 70% disabled Veteran receive in Virginia?

A Veteran with a 70% rating and no dependents receives $1,808.45 per month under the 2026 VA compensation table. A Veteran with a qualifying spouse and no parents or children receives $1,961.45.

How much does a 100% disabled Veteran receive in Virginia?

For 2026, a 100% disabled Veteran with no dependents receives $3,938.58 per month. A Veteran with a qualifying spouse and no parents or children receives $4,158.17.

Does Virginia have different VA disability rates?

No. VA disability compensation is a federal benefit. Veterans in Virginia use the federal VA compensation rate tables.

Do VA disability payments increase if I have dependents?

At a combined disability rating of 30% or higher, qualifying dependents can increase the monthly compensation amount. The VA provides different rates for spouses, children, dependent parents, and other qualifying circumstances.

Does VA simply add all my disability ratings together?

No. VA uses a combined ratings methodology rather than simply adding individual disability percentages.

What is the 2026 VA disability rate for 50%?

A Veteran with a 50% rating and no dependents receives $1,132.90 per month in 2026. With a qualifying spouse and no parents or children, the amount is $1,241.90.

What is the 2026 VA disability rate for 80%?

A Veteran with an 80% rating and no dependents receives $2,102.15 per month. With a qualifying spouse and no parents or children, the amount is $2,277.15.

Can Special Monthly Compensation increase my VA payment?

Potentially. SMC is a separate benefit structure for certain severe disabilities and circumstances. For example, the 2026 SMC K payment variation is $139.87 and may be added to basic compensation when applicable.

Can VA disability compensation be used when applying for a mortgage?

VA disability compensation can potentially be considered as qualifying income, subject to the applicable mortgage program and lender underwriting requirements. The lender will determine the documentation and treatment of the income.

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